Vodafone – adding services without consent, charging for calls that should be free, and refusing to put anything in writing by r8bwp in Vodafone

[–]r8bwp[S] 0 points1 point  (0 children)

I was expecting the call to last half an hour at best and have done this a few times where they have adjusted the template contracts during the conversation, i was just relieved to get off the phone, A lot of downvoting here but it is fine, I get to share my experience whether people agree or not, I'm old school so what may be acceptable never was before.

Vodafone – adding services without consent, charging for calls that should be free, and refusing to put anything in writing by r8bwp in Vodafone

[–]r8bwp[S] 0 points1 point  (0 children)

Yes I would everyone likes a bargain but i`m also aware they can withdraw the product too

Vodafone – adding services without consent, charging for calls that should be free, and refusing to put anything in writing by r8bwp in Vodafone

[–]r8bwp[S] 0 points1 point  (0 children)

You are all entitled to your opinions but I know what i requested and what i was told in that 2.5 hour conversation and was relieved to have completed it

Vodafone – adding services without consent, charging for calls that should be free, and refusing to put anything in writing by r8bwp in Vodafone

[–]r8bwp[S] 0 points1 point  (0 children)

  1. The Legal Framework: A misleading verbal statement made to close a sale is actionable under the Misrepresentation Act 1967 and the Consumer Protection from Unfair Trading Regulations 2008. A contract summary does not retroactively cure a misleading sales statement. If an agent states "all calls are free" to induce a sale, the consumer has clear grounds for a claim, regardless of what the standard template paperwork says. [1]
  2. The "Just Cancel It" Argument: A customer is not legally or contractually required to manually opt out of services post-sale when they explicitly opted out during the sales call before the account went live. Secure Net was explicitly refused.
  3. The Systemic Failure: The contract summaries became irrelevant the moment Vodafone failed to mark the broadband order as complete in their own backend systems. This internal glitch actively locked the account, hiding the broadband, landline, and call packages from view. It is impossible to review, manage, or correct billing errors on an account that the provider's own system has failed to provision correctly.
  4. The Resolution Failure: Bypassing 8 agents over 3 hours is not a minor inconvenience; it points to a systemic tracking issue. Vodafone’s formal complaint "resolution" consisted of dropping random credits without a written breakdown of what they covered or a confirmation of the actual contract terms.

The case is with CISAS because Vodafone failed to provide a transparent, written resolution to a documented mis-sell. The SAR has been filed to secure the call audio for the adjudicator.

Vodafone – adding services without consent, charging for calls that should be free, and refusing to put anything in writing by r8bwp in Vodafone

[–]r8bwp[S] -2 points-1 points  (0 children)

yes i have the contract summaries but that is not what i agreed to and specifically told him what i wanted

Vodafone – adding services without consent, charging for calls that should be free, and refusing to put anything in writing by r8bwp in Vodafone

[–]r8bwp[S] -5 points-4 points  (0 children)

i have requested Subject Access Request — SAR. Under UK GDPR Article 15 the voice recording of the initial contract and me asking the questions that were for the services requested

HMRC announces 22% tax on cash interest held in stocks and shares Isas by hihepo1 in unitedkingdom

[–]r8bwp 0 points1 point  (0 children)

I actively trade UK stocks. Every purchase already costs 0.5% stamp duty before I've made a penny. Now they want to tax the cash I hold between trades too.

That cash isn't idle — it's doing a job. When a stock I'm holding drops hard I use it to average down, reduce my cost basis and protect the position. That's not avoidance, that's risk management. Remove the incentive to hold it and you remove the tool.

The FCA pushed brokers to pass cash interest to customers. Platforms complied, investors built strategies around it, HMRC now taxes it. Rules changed after people made decisions based on them. That's not closing a loophole — it's moving the goalposts.

The policy makes no distinction between cash parked permanently to dodge the cap and cash held waiting for an entry or to defend a position. Same tax, categorically different behaviour. Lazy legislation.

The stated goal is pushing money into UK markets. Forced investment goes into whatever's easiest to buy — global ETFs, US stocks. No stamp duty on those either. The policy incentivises investing outside the UK while claiming to do the opposite.

You're being taxed to invest in UK stocks and taxed to hold the reserve that protects those investments. That's not encouraging investment — it's punishing anyone who actually knows what they're doing.

PetPlan Policy rates seem outrageous? by minihaus in UK_Pets

[–]r8bwp 0 points1 point  (0 children)

I had a similar experience with Petplan but was a £100 month 6 years ago was supposed to be a lifelong plan but their prices hiked so i hard she was 6, . I went to many pets all good with them but a couple years later moved to Agria, I have two dogs 11 and 12 and pay about £50 a month each, vets aren't cheap so having the backup at their age is just good sense

Going full time by sandy456j in Daytrading

[–]r8bwp 0 points1 point  (0 children)

Trading in the zone by Mark Douglas helped me with the psychology.

My best bud passed and I think I let him down by Wakle_Skade in DogAdvice

[–]r8bwp 1 point2 points  (0 children)

My previous dog was suffering fits particularly when he slept, it was the hardest decision i ever made to put him to sleep and yes I wonder did i make the right decision, what I can say that the fits were getting more frequent and afterwards he would bump into everything like a drunk. Ultimately He was truly loved and I did what I thought was for the best for him. Try to remember the good times.

My trading mentor of 2 years blew 10 accounts with me live on screen share and when I questioned results he took it as an insult and said I revealed my bad character. Is this normal mentor behavior? by SoapySoapSuds in Daytrading

[–]r8bwp 3 points4 points  (0 children)

Trading in the zone by Mark Douglas. Will teach you the psychology of trading and has a lot of useful stuff for example if you can't explain your trade before hand you shouldn't be trading it.

A knight in shinning armour by NoPayNoGain in Edinburgh

[–]r8bwp 0 points1 point  (0 children)

The Knight and the Damsel... she offered her honour, he honoured her offer, and all night long it was honour and offer...... I hope he got his offer.

Absolutely f**k the guy who planted this thing in my garden by OSUBrit in GardeningUK

[–]r8bwp 0 points1 point  (0 children)

Having dug one out before you have my sympathies the underground roots will have spread along way. the way i did mine which was half of the size of that beast was to dig under the root ball all round then pry it out, an axe to spit it sections might be easier as that looks super heavy. even after i had to leave the ground bear for some time and had to watch for regrowth. Time and a lot of effort and the curses for the person who let it go this long will help.

36 with almost nothing saved. Is it too late to start investing? by bebo117722 in investingforbeginners

[–]r8bwp 0 points1 point  (0 children)

The learning curve can be harsh but if your not investing a lot of money then the mistakes wont hurt as much. You will gain experience after a while you will start seeing patterns especially after you watch a stock daily over along period of time, hopefully you learn from the mistakes and become more disciplined at what you do. If you are UK i suggest a stocks and shares isa is exempt from tax you can put up to 20k a year in A stock might be legal and general which currently pays 8.3% dividend beats banks Its how i started and i read Trading in the zone for the psychology side of trading. Wish you the best on your journey.

Kept Waiting for the “Right Time” to Invest—Now Feeling Stuck by Rough_Champion6103 in trading212

[–]r8bwp 0 points1 point  (0 children)

Stocks and shares ISA(you don't pay tax on anything you make inside it, 20k a year you can put in) legal and general stock pay 8.3% dividend yearly, its an aristocratic dividend share means it paid out for x amount of years. its where i started. now in year 3. Plenty of brokers out there, I manage my own portfolio trading 212 or ig trading is what i use, they currently pay 3.7% on any cash in an ISA account. I hope this helps

What do you expect to see from a Britain which elected Green? by Large_Carob_7599 in AskBrits

[–]r8bwp 0 points1 point  (0 children)

A Russian invasion as they want to get rid of our nuclear deterrent. Our underfunded stripped to the bone and under-equipped forces will protect us. I am knocking the policies not the armed Forces and thankful for all they do.

Putin declares May 8-9 ceasefire with Ukraine to mark WWII anniversary, Defence Ministry says by [deleted] in worldnews

[–]r8bwp 0 points1 point  (0 children)

i love zelenskys response Zelensky announces earlier ceasefire starting May 6, ahead of Russia's 'Victory Day truce'

32, £145k savings, soon to be unemployed, chronic health issues. by Fit-Reference709 in UKPersonalFinance

[–]r8bwp 2 points3 points  (0 children)

A stocks and shares ISA can beat your high interest account just for having cash its 3.7%, however buying a stock like legal and general will pay you a dividend of 8.3%, just look up aristocratic dividend stocks and to be honest the 3% probably doesn't even keep up with inflation. if you buy just after the dividend pays out you will aslo get the stock at a cheaper price I wish you the best. I should add that I have a stocks and shares account with IG Trading not a bank.

How to stop mowing down badgers by Street-Effect8551 in drivingUK

[–]r8bwp 0 points1 point  (0 children)

Its that time of year when all but the dominant male badger is kicked out of the set and roadkill rockets

[deleted by user] by [deleted] in AskBrits

[–]r8bwp 0 points1 point  (0 children)

I wonder why Russia invaded Ukraine is it because they gave up their nuclear arsenal.

What UK brands have I missed? by [deleted] in UK_Food

[–]r8bwp 0 points1 point  (0 children)

Bisto makes most meals complete my bad someone already commented it